Simple Mission Simple Story

We are an independent registered investment advisory firm (RIA) whose mission is to find and implement strategies that are capable of making money or preserving capital in both up and down markets. We believe that challenging economic times demand this. It’s a matter of financial survival.

Why

Whether you are an aggressive investor or conservative, in retirement or still working, the most important objective in building your portfolio is risk management. It’s simple mathematics. If your account loses 50% (think 2008) your account needs to double just to return to break even. Further, if you are drawing down your account to live (think retirement income) at the same time its value is plunging, those losses could be permanent and devastating.

How

Traditional investment strategies ask you to “buy and hold”, meaning force a smile through ugly markets and uncertain times, while waiting and hoping for a fast, full recovery. We are living in times that are not kind to such strategies. Investments have become highly correlated so that your entire portfolio may be vulnerable to wild swings or sizable drops. Artificially low interest rates have exposed bonds and bond funds to the possibility (likelihood?) of losses when/as rates rise to more normal levels.

We build a portfolio using a very simple structure: stock funds (mainly low cost exchange traded funds, called ETFs) and fixed funds that we believe can generate interest with the greatest likelihood of keeping principal stable. We have access to many ETFs with zero commissions and we have access to one of the earliest and largest “peer to peer” fixed return funds. Additionally, we try to follow market strength by rotating money into stock ETFs that are in well positioned sectors. Our end product is a set of several easy to understand model portfolios with different risk profiles, each designed to match a particular risk temperament or life stage. You may desire growth, you may desire income or you may need a combination of both.

Fidelity Investments is an independent company, unaffiliated with Kay Investments Inc. Fidelity Investments is a service provider to Kay Investments Inc. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity Investments, nor is such a relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied by Kay Investments Inc. and does not guarantee, or assume any responsibility for its content. Fidelity Investments and Fidelity Institutional Wealth Services are registered service marks of FMR LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC.

National Financial is a division of National Financial Services LLC. Fidelity Institutional Wealth Services is a division of Fidelity Brokerage Services LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC, 200 Seaport Boulevard, Z2B1, Boston, MA 02210.